--We don't because we pay the insurance. If we need a replacement we either ask the user to wait while one is delivered (Verizon sends next day by default) or we go and pick one up from the Verizon store, its only a couple minutes away.

No, we don't pay for insurance separately - worked out more expensive than replacing the handsets (last 2 years it was £6 per month per phone - £150 per month - so £3600 in total. We only had 4 phones lost/damaged which we could have bought for £1320)

We provide Blackberries to those who are deemed 'worthy'. Mainly department heads and IT staff. All phones are hooked into exchange through BES. No insurance but when someone upgrades we keep the older ones just in case they are ever needed as an interim device. If I had to bet, we will be on IPhones this time next year.